5 Ways To Get A Discount On Your Home Insurance

Real Estate June 18, 2026

Want to save money on your homeowner's insurance?

We have 5 ways to get a discount on your home insurance (and save money on your utility bills).

Every insurance provider is different. Check with your provider to see if they offer discounts. Some will offer discounts for specific brands and/or previously installed products. Some even offer discounts to purchase select products or brands.

1. Water Leak Detectors & Automatic Shut Off Valves

Water leak detectors can be put in various areas of your home to help detect leaks or pooling water. Some municipal water companies can also install a device which alerts you if you are using more water than normal.

Automatic shut off valves realize that you have water running for more time than normal or at a rate that is above average. The water shuts down at the main until you can address the reason.

Both types of devices can catch leaks early and prevent major floods.

2. Automatic Generators

Automatic generators (not the ones you plug in) can be considered a real bonus by insurance companies. Instead of losing power and risking a pipe bursting during the winter and automatic generator can keep your house running even if you are not home.

3. Smart Cameras & Security Systems

Many providers will offer insurance discounts for video surveillance cameras and home security systems equipped with an alarm, door and window sensors, and motion sensors. These devices are designed to deter potential criminals and alert you (and your neighbors) of an intrusion.

4. Smart Thermostats

A programmable thermostat is helpful on your utility bills but what's even better in the eyes of insurance companies are smart programmable thermostats can be controlled via your mobile phone from anywhere. If a problem happens such as your heat falling below a certain threshold, you will be alerted giving you time to mitigate any potential damage and risk.

5. Smart Locks & Garage Doors

Ditch the keys and opt for a smart lock, key pad or device which is app controlled. You no longer need to use the hide-a-key with today's locks where you can easily grant or deny access by giving a code or unlocking from a phone.